Each user of this Website agrees as follows:

1. Copyrights and Other Intellectual Property:

   Except as otherwise noted in this Website, all information, documentation and other content posted in this Website (collectively, the "Information") is the property of Money Concepts. Without limiting the foregoing, the graphics, icons and overall appearance of this Website are the property of Money Concepts. The posting of Information does not constitute a waiver of any of Money Concepts' proprietary rights in or related to such Information (such as, but not limited to, patents, copyrights and trademarks) or a transfer of any such rights to you or any third party. The Information is protected by U.S. and international copyright laws, both as individual works and as a collection. You agree not to delete any copyright or similar notice from any Information. You may not sell or republish, or copy for other than your own individual use, the Information or any portion thereof without the prior written consent of Money Concepts.

2. No Offer or Solicitation of Securities:

   This Information is provided for your general information only and does not constitute an offer to sell or a solicitation of an offer to buy securities. The Information does not constitute a sufficient basis for making a decision with respect to the purchase or sale of any security. Before purchasing any security, please consult your Money Concepts Financial Planner for information about and analysis of the investment, its risks and its suitability in your particular circumstances.

3. Links to Other Websites:

   Periodically, links may be established between this Website and one or more websites operated or content provided by third parties. Money Concepts has no control over any such other websites or their contents and will have no liability arising out of or related to such websites or their contents. The existence of any such links does not constitute an endorsement of such websites, the contents of the websites or the operators of the websites.

4. Non-Confidentiality of Communications:

   If you send a message or information to this Website, such as (but not limited to) an e-mail to the Webmaster, you hereby grant to Money Concepts the right to read, use, distribute, disclose and otherwise handle the communication and any related information as Money Concepts deems appropriate in its sole judgment.
   
   YOU ARE HEREBY ADVISED THAT, EXCEPT AS EXPRESSLY PROVIDED OTHERWISE ON THIS WEBSITE, NO FACILITIES ARE PROVIDED AND NO PROVISIONS ARE MADE FOR SENDING OR RECEIVING CONFIDENTIAL COMMUNICATIONS. TO THE EXTENT SUCH FACILITIES ARE PROVIDED OR PROVISIONS ARE MADE, IT IS SOLELY ON AN "AS IS" BASIS, WITH NO WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED.

5. No Warranties; Limitation of Liability:

   Although Money Concepts attempts to provide useful Information, Money Concepts does not guarantee that the Information is accurate, current or suitable for any particular purpose. Money Concepts assumes no obligation to update or continue to post the Information. Money Concepts does not guarantee that access to this Website will be uninterrupted, that this Website will be free of viruses or that this Website cannot be tampered with by third parties. Money Concepts does not guarantee that information sent to this Website will not be obtained, reviewed, disclosed or tampered with by third parties, whether or not measures are taken to secure such information.
   
   THIS WEBSITE, THE INFORMATION AND ANY SOFTWARE RELATED THERETO ARE PROVIDED ON AN "AS IS" BASIS, WITH NO WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. USE OF THIS WEBSITE, THE INFORMATION AND SUCH SOFTWARE IS AT THE USER'S SOLE RISK. IN NO EVENT WILL MONEY CONCEPTS BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF OR RELATED TO THIS WEBSITE (INCLUDING, BUT NOT LIMITED TO ANY SOFTWARE RELATED THERETO), ANY WEBSITE OPERATED BY A THIRD PARTY OR ANY INFORMATION CONTAINED IN THIS WEBSITE OR ANY OTHER WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, EVEN IF MONEY CONCEPTS IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

6. General:

   These Terms and Conditions will be construed in accordance with the laws of Florida, without regard to its conflict of law provisions. The provisions of these Terms and Conditions are severable. If any such provision is determined to be unenforceable, such unenforceability will not affect any other provision of these Terms and Conditions, and the Terms and Conditions will be construed as if such unenforceable provision had not been contained herein. No waiver by Money Concepts of any right under or provision of these Terms and Conditions will be deemed to be either a waiver of any other such right or provision or a waiver of that same right or provision at any other time.